Quality Control Loan Documentation

Stacy Wilborn

************@*****.***

501-***-**** Conway, AR

SUMMARY

Dedicated professional with 23 years of experience in quality control, loan documentation testing, and compliance in the banking sector. Skilled in laboratory-like review processes, adept at using MS Office for data analysis and reporting. Seeking to leverage meticulous attention to detail and remote collaboration expertise as a Quality Control Analyst I. WORK EXPERIENCE

Centennial Bank REMOTE

Quality Control Coordinator Aug 2022 - Dec 2023

• Conducted thorough quality control assessments on loan documentation, ensuring adherence to established guidelines and proper completion of requisite forms.

• Compiled and analyzed data for weekly management reports, documenting audit findings and assigning ratings to enhance operational efficiency.

• Communicated audit outcomes, including exception memos, to management and followed up to confirm resolution of discrepancies, contributing to continuous process improvement. Mortgage Disclosure Desk Specialist II Oct 2019 - Aug 2022

• Ensured compliance with federal regulations, including TRID and RESPA, by meticulously reviewing loan documentation for various programs such as FHA, VA, USDA, and Bond loans.

• Managed a loan pipeline, conducting thorough reviews for completeness and verifying the accuracy of all submitted information to facilitate timely disclosures.

• Addressed and corrected loan review errors identified during audits and compliance assessments, upholding strict adherence to industry standards and policies.

• Fostered effective communication among Processors, Loan Officers, Underwriters, and Funders, facilitating the collection and organization of key documents such as title abstracts, insurance forms, and tax records. Mortgage Closing Asst Aug 2016 - Oct 2019

• Verified and processed financial transactions for real estate closings, ensuring accuracy in the disbursement of funds.

• Conducted comprehensive reviews of loan documentation to confirm correct preparation of title and closing figures, meeting all funding requirements.

• Facilitated clear and effective communication with mortgage loan originators, closers, and underwriters to resolve any conditions before and after the funding process. Mortgage Shipper II Mar 2014 - Sep 2016

• Reviewed and ensured accuracy of mortgage loan documentation, adhering to investor and company guidelines for successful submission.

• Coordinated with internal teams and external partners, such as title companies, to resolve documentation discrepancies and clear exceptions.

• Managed the tracking and follow-up of investor loan purchases, submitting additional required conditions promptly as requested.

Mortgage Insurance Specialist and Shipper Jul 2007 - Mar 2014

• Facilitated communication between lending personnel and external service providers, resolving insurance exceptions and managing notification requirements.

• Processed and reconciled force-placed insurance premiums and refunds, ensuring accurate financial transactions.

• Maintained insurance coverage records, managed premium billing, and coordinated the preparation and submission of loan documentation for archival purposes. First Security Bank

Mortgage Shipper/Funder May 2004 - Jul 2007

• Conducted comprehensive audits of loan documentation to confirm compliance with investor, agency, and internal standards, ensuring accurate and timely fund disbursement for closings.

• Managed the resolution of customer account crises involving theft and fraud, while maintaining consistent communication with Mortgage Loan Originators, Closers, and Underwriters to address and clear pre- and post-funding conditions.

Clark Family Dentistry

Billing Specialist Supervisor May 2001 - May 2004

• Managed the resolution of claims and accounts, ensuring accurate posting of payments and effective communication with patients and insurance entities.

• Oversaw payroll distribution and maintained high-volume data entry tasks, utilizing AS400 software to streamline billing processes.

Stein Mart

Cash Office Auditor and Customer Service Supervisor May 2000 - May 2002

• Managed financial responsibilities including the preparation of balance sheets and auditing statements, along with the processing of daily bank deposits and reconciliations.

• Maintained confidentiality in payroll administration and ensured adherence to financial policies and regulations, while also addressing customer service concerns and training needs. EDUCATION

Faucett School of Real Estate

Real Estate License, Real Estate Development

Fayetteville, AR

Mar 1999

University of Arkansas, Fayetteville Fayetteville, AR May 1995

Riverview High School Searcy, AR

None

SKILLS

Quality Control Data Compilation and Procedures • Data Entry and Collection Processes • Administrative and Customer Support Management • Quality Assurance and Control • Claim Processing and Billing Data Verification

• Itemized Statement and Audit Preparations • Medical Billing, Collections, and Resolutions • Account and Ledger Reconciliations • Invoice Preparation and Processing • Inbound and Outbound Calling • Billing Adjustments and Refunds • Medicare and Medicaid Processes • Government Lending • Customer Accounts Management • Loan File Maintenance and Information Recording • Lending Software Systems • Legal Documentation and Digital Applications • Closing Documentation and Loan Application Preparation • Regulatory Compliance Documentation

• Customer Service • Troubleshooting • Time Management • Verbal Communication • Written Communication

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